When you and your spouse have access to company health insurance plans, you need to be an informed shopper. When one of you is approaching Medicare eligibility, it helps to understand all your options so you can make the best choice. Also, there are many couples who are both on Medicare who have completely different plans due to their individual needs.
Which Plan Costs Less?
You should pick the plan that offers the most benefits for the lowest costs. We help you run a cost/benefit analysis to help you figure out which coverage will be the best for you.
Try these tips:
Estimate your medical costs.
Make a list of the medical services you'll likely use in the next year. For example, how many primary doctor visits, specialist visits, and drug prescriptions will you need.
Check the premiums.
A premium is the amount you pay each month for the coverage. Different plans have different premiums.
A deductible is a specific amount that you have to pay for health care services before your insurance plan begins to pay for them. See whether your plan or your spouse’s plan has a deductible.
Are Your Medical Providers Covered Under the Plan's Network?
Check whether your current doctors are in the plan's network. Plans provide directories of "in-network" doctors. You may still be able to go to an out-of-network doctor, but you will pay more for that doctor's services.
If you have questions or are confused about which company is best for you, book a meeting with an agent. The goal is to lower your potential cost as low as possible while still receiving great medical care when you need it.
Book your appointment today: